A Loan Modification is when your current lender modifies your current mortgage. A new closing is not required. This is not refinancing your loan. A loan modification can change your interest rate, balance of loan, delinquent fees owed, and term of loan. Usually a loan modification was only performed when a borrower was past due. Currently it is being used before or after someone is past due. Loan Modification can be your best way to avoid foreclosure. Banks don't want you to go into foreclosure. Our goal is to give you a payment you can afford for the long term. Just call us at 888-232-8572 or click the see if you qualify button on the left.